TVLF Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2012	FY 2011	FY 2007	FY 2006	FY 2005
Period Ending	Dec '12 Dec 31, 2012	Dec '11 Dec 31, 2011	Dec '07 Dec 31, 2007	Dec '06 Dec 31, 2006	Dec '05 Dec 31, 2005
Net Income	0.08	0.25	0.24	0.78	0.94
Depreciation & Amortization	0.36	0.37	0.33	0.3	0.24
Other Amortization	0.02	0	-	-	-
Gain (Loss) on Sale of Assets	0.24	0.61	-0.02	-	0.02
Gain (Loss) on Sale of Investments	0.18	0.18	0.04	0	0.03
Provision for Credit Losses	0.7	0.02	1.44	0.47	0.55
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.09	1.08	-0.33	0.22	-
Accrued Interest Receivable	0.02	-0	-0.07	-0.27	-0.17
Change in Income Taxes	-	-	-	-	-0.09
Change in Other Net Operating Assets	-0.25	-0.26	1.06	0	0.11
Other Operating Activities	-0.28	-0.17	-0.66	-0.4	-0.36
Operating Cash Flow	1.14	2.07	2.07	1.77	1.67
Operating Cash Flow Growth	-45.25%	-0.05%	16.98%	6.23%	218.20%
Capital Expenditures	-0.27	-0.16	-2.34	-	-
Sale of Property, Plant and Equipment	0.09	-	-	-	-
Investment in Securities	-2.86	-4.08	-12.72	-1.37	-4.25
Net Decrease (Increase) in Loans Originated / Sold - Investing	3.26	0.35	-5.92	-33.91	-8.77
Other Investing Activities	2.03	1.66	0.01	-	0.35
Investing Cash Flow	2.25	-2.23	-20.97	-36.38	-12.68
Short-Term Debt Issued	-	-	0.56	0.03	-
Long-Term Debt Issued	-	0.57	5.95	4	2.06
Total Debt Issued	-	0.57	6.51	4.03	2.06
Short-Term Debt Repaid	-	-	-	-	-0.46
Long-Term Debt Repaid	-4.45	-0.03	-0.02	-0.02	-1.22
Total Debt Repaid	-4.45	-0.03	-0.02	-0.02	-1.68
Net Debt Issued (Repaid)	-4.45	0.54	6.48	4.01	0.39
Issuance of Common Stock	-	0.28	-	5.5	0.06
Repurchase of Common Stock	-	-	-0.04	-	-
Common Dividends Paid	-	-	-0.12	-	-0.08
Net Increase (Decrease) in Deposit Accounts	-10.83	5.8	9.83	28.52	20.03
Financing Cash Flow	-15.28	6.63	16.16	38.03	20.39
Net Cash Flow	-11.9	6.47	-2.73	3.42	9.38
Free Cash Flow	0.86	1.92	-0.26	1.77	1.67
Free Cash Flow Growth	-54.91%	-	-	6.23%	-
Free Cash Flow Margin	13.64%	28.69%	-4.14%	25.61%	28.10%
Free Cash Flow Per Share	0.51	1.12	-0.17	1.45	1.55
Cash Interest Paid	1.43	1.91	5.98	4.6	2.79
Cash Income Tax Paid	-	-	0.16	0.31	0.52

Source: S&P Global Market Intelligence. Banks template. Financial Sources.